I bought Pets Best Insurance (regular and wellcare) shortly after purchasing a puppy that turned out to be loaded with problems like tapeworm, bacterial infection and giardia. It took months to clean him up so that he is now happy and healthy at 9 months. After several claims, I found that the hundreds of dollars I spent at the vet was not reimbursable! I've tried to cancel the well care and learned that I can't until I have it for a year! Maybe someday the regular portion of the policy will pay for something....but I hope I never need it. I will be changing companies when my year is up!